Apply & Get Instant Personal Loan

Be Independent!

Personal Loans made simple! Fill Form and Get Instant Personal Loan in 10 Mins. You’re done! Get the money in your Bank Account as early as tomorrow. Avail Loan from 50K to 5Cr. Funds will be credited to your bank account within 24 hours

Interest Rates starts at 10.99%* pa.
Annual Percentage Rate - Min. 10.49% to Max. 15.00% | Repayment Period - 12 months to 5 years | Processing Fees - 0% to 2%

Instant Personal Loans

An unmatched personal loan offering which allows you to avail up to Rs.5 Crore in just 24 hours. The online loan application is simple and convenient. Apply for a Personal Loan online and discover our attractive interest rates. A Personal Loan is a viable way to fund anything from a holiday abroad to your child’s education and a home renovation to a wedding in the family.

Personal loans have shorter tenure range between minimum 12 months to maximum 5 years. Depending upon the individual applicant's profile and lender, the APR (Annual Percentage Rate) of a personal loan may vary from 10.49% to 15% annually.

For Example, If you take a personal loan of Rs.1 lakh at rate of 10.49% with tenure of 5 years, then your EMI amount will be Rs. 2,149. The total payable amount at the end of 5 years would be Rs. 1,28,934/-. Therefore, you'll be paying total interest amount of Rs 28,934/-

Other charges includes Processing fees - 0% to 2% of required loan amount. Documentation charges will be Rs. 500/- and Amortization Schedule charges are Rs. 200/-

One can avail of a loan without any collateral or security for a pre-decided period of time at a particular rate of interest. In order to apply for a loan and minimize the risk of lenders, the borrower will need to provide proof of employment and income along with sufficient identity proof. Our minimal paperwork, affordable interest rates and flexi EMI payment structure make it a hassle-free way to fund your dreams and responsibilities.

Requirements

1

PAN Card + Aadhaar Card

We require PAN Number to check your credit information & Aadhaar Number as a proof of identity and address.
2

Bank Statements

We need bank statement for giving you the best offer. Preliminary offers can also be given without bank statement.
3

Profile Eligibility

We offer Personal Loans to Salaried Professionals.Minimum age for customer is 21 years and maximum age limit is 60 years

Spoctree Personal Loan Advantage

Attractive Rates

Low Interest rates. Interest calculation on a daily reducing balance.

Exclusive Benfits

Packages of exclusive benefits including surprises and benefits.

Customized Loans

Customized repayment options & eligibility programs to suit your needs.

Overdraft

Personal loan also available as an overdraft. Optimally utilize your surplus funds.

PAN India Network

Integrated branch network for availing and servicing the personal loans anywhere in India.

Loan for All

Personal Loans for Salaried Individuals, Self-Employed, Self-Employed Professionals, Doctors, Etc.

Prepayment Options

No Prepayment penalties. Reduce your interest burden by prepaying the loan.

Processing Charges

0% to 2% depending on user profile.

Eligibility, Rates & Fees

*Interest rate will vary as per the risk score of the customer
1

Rates + Fees

Annual Interest Rate -
10.99%* to 15%
Processing Fees - 0% - 2%
2

Repayment & Amount

Repayment Period -
Min. 6 Months | Max. 84 Months
Loan Amount - 50K - 5Crore
3

Income & Location

Net Monthly Income >= 15,000/-

More About Spoctree Partners Personal Loans

Personal Loan Features
  • Quick Disbursals - Get money in your bank quickly. Fulfill your dreams by acquiring loan fast.
  • No Collateral - No guarantee or security deposit required. Share few information and get approval fast.
  • Online Approval within 30 mins - Don't get stuck in lengthy procedures. Get instant approval for your personal loan starting at 10.99%*.
  • Zero Documentation for Sanction - No paperwork required for sanction. The application is completely online and paperless.
  • Hassle free application process - No lengthy processes extending for months. Apply for a personal loan in a few clicks.
  • Flexible Tenure - Easy EMI option available on your loan tenure from 6 to 84 months.
  • Easy Eligibility Check: The loan calculator tool at Spoctree.com checks for the user’s personal loan eligibility instantly. The tool also offers customized quotes for all eligible users as per their financial credit history and eligibility criteria.
  • Instant Quotes: The eligible loan applicants are offered instant quotes customized as per their profile and with a discounted interest rate.
  • Real time Loan Comparison: Spoctree.com also offers a simple online personal loan comparison tool allowing users to compare the loan offers of various banks. Feedback shared by previous successful personal loan applicants acts as a helpful tool for new applicants to get the best personal loan deal.
  • Instant e-Approval: The applicant gets an instant e-approval after successfully submitting his or her personal loan application.
  • Assured Privacy: All personal loan applications submitted with Spoctree.com are sent electronically to the concerned bank department assuring complete privacy and transparency
Why Spoctree Personal Loan
Spoctree.com offers users the opportunity to choose from the best personal loan plans in India as per the borrower’s repayment capacity and choice of tenure. Spoctree.com offers customized personal loan quotes from various banks and non-banking financial companies. Users can choose the most suited bank or NBFC for their personal loan requests as per it's charges and other features.
Types of Personal Loan
  • Marriage Loan, Travel Loan, Gadgets Loan, Credit Card Payment
  • Home Renovation, Medical/Hospitalization Emergency Loan
How to avoid a Personal Loan rejection
Personal Loans are so easy to get that people have fairy tale notions about it. Here are a few things to keep in mind to avoid rejection of your application.
  • Poor Credit Score = No Loan
    Don’t believe whoever says this. If you have a poor credit score, you can still apply for a secured Personal Loan. It means you can take a loan against the security of a collateral.
  • Amount = No Limit
    Just like with all loans, there is a limit on the Personal Loan amount you can borrow. The maximum amount will depend on your eligibility factors, such as income, age etc.
  • Personal Loan Will Worsen Your Debt
    No, it does so otherwise. A Personal Loan is an excellent way to consolidate your debts under one interest rate. Personal Loan rates are cheaper than Credit Card interest rates.
  • Tedious Approval Process
    We are living in the 21st century – technology, internet. You can now apply for a Personal Loan online and get approval the very same day. Disbursal follows soon.
Features and Benefits of Personal Loans
  • Flexibility to Use Funds: Unlike other loan options, the funds raised through a personal loan can be used freely as per the needs of the individual borrower. Personal loans can be used to overcome any financial hardships, marriage or medical related expenses, house renovation or any other financial need of the borrower without any preconditions.
  • No Security: Personal loans are approved based on the income details and financial history of the borrower and not over any fixed asset as security or collateral. Since personal loans do not require any collateral or security to be mortgaged with the bank for loan approval, they are easy to use for a vast majority of people.
  • Flexible Quantum of Loan: Based on the borrower’s financial history and credit report, personal loans are available for requirements as low as Rs. 50,000 to as high as Rs. 5 crores, depending on the bank or NBFC concerned.
  • Flexible Tenure: The tenure of a personal loan is also quite broad depending on the bank and the loan amount. Personal loans are available for a tenure period ranging from 12 months to 60 months, making it an ideal financial instrument compared to other options like credit card loan or gold loan.

So Simple

Three easy steps to disbursal
1

Online sanction

Fill your information online, and validate your mobile.
2

Partners Match

Spoctree will match best partner as per your need. Connect and hand over the documents
3

Seek Disbursal

Once the document reaches systems, post verification the system will activate disbursal

Customers Speak

Roma Nayar
I have taken a personal loan from your company. The best feature is which keep ahead from others in market is the SMS info and regular emailing of account statement. Moreover part payment ease make this product more attractive.
Katha Mehta
For personal loan, Spoctree offers higher interest rate which needs to be considered. Even they offer part payment option with zero charges which is quite helpful for me. Even initial processing and disbursal was fine. Since I did get at the right time, I did get personal loan easily
Venkat Shah
Customer service was very fast and quick response. I've got my loan within 3 days. Interest rates are also for all bank starts from 10.99% to 15%* on Spoctree. Only one suggestion little bit miscommunication between mail and phone. Otherwise it was okay!
Pooja Roy
First of all, I would like to thank the entire team at Spoctree & its partners. They are highly professional & one of the fastest processing loan. I really have a great experience with Spoctree & its partners, for my home loan.